Here's the summary. My W-2 wages (block #1) were in the 22% tax bracket. I contributed $6,800 to my HSA from my bank a/c (post-tax). I see a $816 refund for the post-tax HSA contribution of $6,800 which uses a tax bracket of 12%. I was expecting a refund of $1,496 using the correct tax bracket of 22%. That's a difference of 10 percentage points or $680! Please help! What am I missing?
